Consumer Compliance Regulatory Resources

This webpage presents information about compliance with consumer lending and deposit laws and regulations, including those arising out of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The webpage provides access to NCUA Regulatory Alerts, Supervisory Letters, webinars and quick reference guides, as well as to Consumer Financial Protection Bureau's rules, compliance guides, and other federal resources. Direct any questions to the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at

Federal Consumer Financial Protection Guide

This guidance is provided as a resource to help you comply with statutory and regulatory compliance. It includes NCUA and interagency examination procedures. The guidance is intended for use by a credit union's board of directors and management, compliance officers, and others having responsibility for compliance as part of their duties. While it covers most federal consumer protection laws and regulations that affect credit unions, it does not address all federal laws or any state laws. More

Consumer Financial Protection Updates

Consumer Financial Protection Updates announce new activity on consumer compliance laws, regulations and guidance. They briefly describe the action taken and provide links to relevant materials. Through these updates, the NCUA’s Office of Consumer Financial Protection helps keep credit unions up to date on the most recent amendments and regulatory changes.

Consumer Protection Updates
Number Title
20-04 DOD Amends MLA Interpretive Rule
20-03 Submission of 2019 Home Mortgage Disclosure Act Data
20-02 HMDA Data Collection Requirements for Calendar Year 2020
20-01 CFPB Announces Adjusted 2020 Asset-Size Threshold Exemption Under Regulation Z

Recently Added Resources

CFPB Statement on Supervisory and Enforcement Practices Regarding Regulation Z Billing Error Resolution Timeframes in Light of the COVID-19 Pandemic (Issued May 13, 2020)

CFPB Payments and Deposits Rules FAQs related to the COVID-19 Pandemic (Issued May 13, 2020) 

CFPB Open-End (not Home-Secured) Rules FAQs related to the COVID-19 Pandemic (Issued May 13, 2020)

On April 16, 2010, the CFPB issued a final rule amending Regulation C (Home Mortgage Disclosure Act) adjusting the thresholds for closed-end mortgage loans and open-end lines of credit. To assist financial institutions, including credit unions, the CFPB has posted the following documents:

CFPB Statement on Supervisory and Enforcement Practices Regarding Certain Filing Requirements Under the Interstate Land Sales Full Disclosure Act and Regulation J (Effective April 27, 2020, and until further notice)

CFPB Bulletin 2020-02-Compliance Bulletin and Policy Guidance:  Handling of Information and Documents During Mortgage Servicing Transfers (Published May 1, 2020)

CFPB Amendment to Increase Threshold for Reporting Data About Closed-end Mortgage Loans (Regulation C – Home Mortgage Disclosure Act) (effective July. 1, 2020)

CFPB Statement on Supervisory and Enforcement Practices Regarding the Remittance Rule in Light of the COVID-19 Pandemic (published April 10, 2020)

CFPB HMDA FAQs (Last updated March 6, 2020)

Department of Defense Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Interpretive Rule Amendment (published Feb. 28, 2020)

FFIEC 2020 A Guide to HMDA Reporting: Getting It right (For HMDA Submissions due March 1, 2021) (effective Jan. 1, 2020)

CFPB HMDA (Regulation C) Small Entity Compliance Guide version 4.0 (January 2020)

CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset Size Exemption Threshold (Effective Jan. 1, 2020)

CFPB Adjustment to Asset-Size Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2020)


This webpage contains general information pertaining to consumer compliance resources. Its content is not intended as a source or substitute for legal or other professional advice. Although we take reasonable measures to ensure that the webpage content is accurate and current, we make no express or implied warranty regarding this content. We expressly disclaim all legal liability and responsibility to anyone who uses or accesses this content. If you require professional advice, contact a qualified professional for assistance.